Government changes to Open Enrollment: Myths vs. facts

South Florida – October 28, 2025 – Open Enrollment: Know the facts about this year’s government changes

In Miami, where family and community always come first, having reliable health insurance is more than a policy—it’s peace of mind. With hurricane season always a reminder that life can change overnight, South Florida families know the importance of being prepared. That’s why understanding the government changes to Open Enrollment is crucial this year. As local residents review their coverage through the Health Insurance Marketplace, many are asking: What’s really changing, and how will it affect my monthly costs?

The truth about government changes to Open Enrollment

Across Little Havana, Coral Gables, and beyond, many people assume their current health plan will roll over automatically. But here’s the reality — enhanced subsidies, introduced in 2021 to make health coverage more affordable, are set to expire at the end of 2025. Unless Congress acts to renew them, most South Floridians could see a noticeable increase in their premiums next year.

That’s why now is the time to review your plan during Open Enrollment. Don’t wait for renewal notices to arrive in the mail or for rates to spike unexpectedly. By connecting with a licensed Florida Blue agent, individuals can review their options, explore updated subsidies, and make sure they’re not leaving money—or essential coverage—on the table.

Even if you’ve been insured for years, this Open Enrollment season isn’t “business as usual.” With millions of Floridians relying on the Health Insurance Marketplace, these changes affect nearly everyone who receives government assistance with premiums.

Getting help in your own neighborhood—at no extra cost

Here’s some good news: expert help is available right here in our Miami neighborhoods. Whether you visit a Florida Blue Center in Little Havana, hop on a virtual chat, or call 1-800-876-2227, you can get personalized support from trained agents—at no cost and with no obligation.

For those who want to learn more, Florida Blue’s educational page, www.FloridaBlue.com/StayCovered, breaks down every change clearly, so families can prepare with confidence.

In a city built on resilience, from our art walks on Calle Ocho to our vibrant cultural celebrations, staying informed is one more way we protect each other. Health coverage is part of that story.

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